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Security report for lfta.lv

Latvijas Finanšu tehnoloģiju asociācija · Finance · Latvia

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

54/100

Risk levelMedium

0–100, higher is better. How it is calculated

Latvijas Finanšu tehnoloģiju asociācija (LFTA) is a Latvian non-profit organization dedicated to representing and advancing the interests of the financial technology sector. It facilitates investment opportunities, promotes digitalization, and fosters collaboration among fintech companies, policymakers, and the public. The association targets both legal and natural persons involved in fintech, digital currencies, data, and e-commerce sectors. The website is professionally designed, mobile-optimized, and provides clear navigation and relevant content about the association's mission, founders, and membership application process. Technically, the website uses modern web standards including HTML5, CSS3, JavaScript, and Google Fonts. It employs SVG graphics for logos and icons and appears to be performant with good mobile responsiveness. However, no advanced frameworks or CMS are detected, and hosting details are not disclosed. Security headers and explicit SSL/TLS configuration details are not visible in the provided data, though HTTPS usage is implied. From a security perspective, the site shows basic good practices such as secure form inputs and no visible sensitive data exposure. However, it lacks explicit security policies, incident response contacts, vulnerability disclosure mechanisms, and cookie consent banners, which are important for GDPR compliance and user trust. The WHOIS data could not be retrieved due to query limits, limiting domain age and registrant verification. Despite this, the site presents consistent business information and valid contact details, supporting its legitimacy. Overall, the website is a credible and professional representation of a fintech association in Latvia, with room for improvement in security transparency and privacy compliance. Strategic recommendations include implementing security headers, publishing security and incident response policies, adding cookie consent mechanisms, and ensuring strong SSL/TLS configurations.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 100 · Critical
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

7 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  2. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
72
Security headers
55
Email security
70
DNS health
75
Network security
40
GDPR outside view
10
Average
54

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

LFTA holds a unique position as the first and primary fintech association in Latvia, serving as a platform for collaboration, advocacy, and sector development. Its business model revolves around membership services, lobbying, and organizing educational events. The association targets fintech companies and stakeholders within Latvia and the broader EU context. The presence of founders and leadership information, along with active social media channels, indicates a transparent and engaged organization. Revenue streams likely include membership fees and event sponsorships. The lack of visible advertising or affiliate programs suggests a focus on non-commercial objectives. Growth indicators include active social media presence and a clear call for new members. The partnership ecosystem is not explicitly detailed but includes connections with policymakers and European regulatory bodies.

Security posture

The website demonstrates a moderate security maturity level with HTTPS usage and secure form handling. However, the absence of security headers, vulnerability disclosure policies, and incident response contacts indicates gaps in security transparency and readiness. There is no evidence of compliance with specific security frameworks such as ISO 27001 or NIST. GDPR compliance is partially addressed through a privacy policy but lacks cookie consent mechanisms. No vulnerabilities or exposed sensitive data were detected in the content. The security posture would benefit from enhanced policies, regular security audits, and improved user privacy controls to mitigate risks and build trust.

Recommendations

  1. Implement comprehensive security headers including Content Security Policy (CSP), HSTS, X-Frame-Options, and X-XSS-Protection.
  2. Publish a detailed security policy and incident response plan with clear contact channels for security issues.
  3. Add a cookie consent banner/mechanism to comply fully with GDPR requirements.
  4. Conduct regular security audits and vulnerability assessments to ensure no exposed sensitive data or outdated libraries.
  5. Enhance transparency by providing data protection officer contact information and vulnerability disclosure procedures.

Contact details published on the site

Addresses
Legal name
Biedrība "Latvijas Finanšu tehnoloģiju asociācija"
Registration number
40008310419
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Latvijas Finanšu tehnoloģiju asociācija
Description
Latvijas Finanšu tehnoloģiju asociācija (LFTA) is a non-profit organization in Latvia representing and promoting the interests of members in the financial technology sector, facilitating funding and investment opportunities, digitalization, and innovative service availability.
Key services
Lobbying and advocacy, Organizing seminars, trainings, and discussions, Facilitating investment and funding opportunities, Promoting digital financial technology services
Content quality
good
Branding
consistent

Technology

Stack
HTML5, CSS3, JavaScript, Google Fonts (Poppins), SVG graphics
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
70/100
Good practices seen
  • HTTPS usage implied by base href with https URL
  • No visible exposed sensitive data
  • Secure form inputs with required fields and checkboxes

Analytics and tracking

Tracking level
minimal
Privacy practices
basic

Advertising

Transparency
poor

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Content is in Latvian with English language option available.
  3. Clear organizational purpose and membership information.
  4. Contact details including email, phone, and physical address are provided.
  5. No privacy or cookie consent banner detected despite GDPR relevance.
  6. No visible security.txt or vulnerability disclosure information.
  7. No explicit security policy or incident response contacts published.
  8. WHOIS data unavailable due to query limit error; no registrar or domain age info.
  9. Social media presence on Facebook, LinkedIn, and Twitter.
  10. No advertising or tracking scripts detected.
Technical notes

Notes

The website is built using standard web technologies such as HTML5, CSS3, and JavaScript, with Google Fonts integration and SVG graphics for logos and icons. It does not appear to use a common CMS or advanced frameworks, indicating a custom or lightweight implementation. The site is mobile-optimized and has good navigation clarity. Performance is moderate, with no heavy external dependencies detected. There is an opportunity to improve accessibility features and SEO optimization further. Hosting provider details are not disclosed, and no advanced platform or cloud service indicators are present. Overall, the technical infrastructure supports the business needs but could benefit from modernization and enhanced security configurations.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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